If your parents take out a loan, remind themselves to make the payments on time. Otherwise it will become a negative record in their personal credit reports, which are playing an increasingly big role in people's daily lives. A story carried by Chongqing Morning Post in June, underlines this trend.
According to the report, a Chongqing student borrowed money from the bank to finance his university studies. After he graduated in 2005, he went to work in Shenzhen. Later, he wanted to buy a house using loans. But several banks turned down his loan applications. The reason was that he had not paid back 1,500 yuan he borrowed from a bank when he was at university.
A personal credit rating is becoming an essential “pass” in everyday life, as China establishes a nationwide credit database. Personal credit systems go back 150 years. In developed countries, enterprises and banks use them to decide whether or not to loan money or do other business with a person.
A credit report estimates the credit worthiness of an individual, a company, or even a country. It is an evaluation made by credit bureaus of a borrower's overall credit history and his or her ability to repay debt. A poor credit rating means a high risk of defaulting on a loan, and thus leads to the refusal of a loan by the lender.
Today in China, credit history in banks is the major content of a credit report. But in the future, reports will include information about the payment of telephone bills, water use fees, electricity and natural gas bills, and taxes, according to officials of the People's Bank of China, the central bank.
Personal information such as appearance, genetic data, fingerprints, blood type, disease history, ethnic identity, family and religious beliefs are not to be included in credit reports, according to a draft regulation on credit rating issued last year by the Sate Council. The authors of the draft have just finished soliciting(征求) public opinions.
The Credit Reference Center run by the People's Bank of China is in charge of developing a nationwide credit database. Credit reports for all people with bank transactions (交易)began in 2006.
A personal credit rating is important to the social and economic activities of a person. According to the draft, if you have a personal negative credit record, it will be kept for five years.The author took the story as an example in order to ________.
| A．warn us of the importance of our personal credit report |
| B．tell us the story of a Chongqing student |
| C．encourage us to use credits widely |
| D．inform us to apply for a loan at university |
Credit reports will include the following except ________.
| A．taxes | B．telephone bills |
| C．water use fees | D．genetic data |
According to the passage, which of the following statements is TRUE?
| A．Personal credit systems go back 150 years in China. |
| B．You can turn to the People's Bank of China for the information about your credit report. |
| C．Credit history in banks is the only content of a credit report. |
| D．Credit reports began in 2006 in China. |
What's the best title for the passage?
| A．A Credit Report Rating |
| B．Credit in China |
| C．Credit Really Counts |
| D．Credit Report Contents |
第二部分阅读理解（共25小题；每小题2分,满分50分）
阅读下列短文，从每题所给的四个选项中，选出最佳选项，并在答题卡上将该项涂黑。
Football is , I believe , the most important game in England : one has only to go to one of the important matches to see this . Rich and poor , young and old , one can see them all there , shouting for one side or the other .
To a stranger , one of the most surprising things about football in England is the great knowledge of the game which even the smallest boy seems to have. He can tell you the names of the players in most of the important teams . He has pictures of them and knows the results of large numbers of matches . He will tell you who he expects will win such a match, and his opinion is usually as good as that of men three or four times his age .
Most schools in England take football seriously—much more seriously than nearly all European schools , where lessons are all that are important, and games are left for the children themselves . In England, it is believed that education is not only a matter of filling a boy’s mind with facts in classroom, it also means the training of character by means of games , especially team games , where they boy or girl has to learn to work with others for the team instead of working for himself alone . The school therefore plans games and matches for its pupils . Football is a good team game ; it is good for both the body and the mind . That is why it is every school’s game in England .
1．In Paragraph 1, “this” means .
A．people often shout at each other in a football match
B．people , rich and poor , young and old , often play football
C．football is the most popular game in England
D．people usually go to the important matches
2．People often one football team or the other by shouting .
A．beat B．win over C．support D．laugh at
3．Which of the following is NOT true according to the passage ?
A．English children know more about football than adults
B．Nearly all European schools consider lessons the most important
C．It is surprising that English children have great knowledge of football
D．English schools attach more importance to football than nearly all European schools
4．What does education mean in England ?
A．Filling a boy’s mind with facts .
B．Teaching how to work with others for the team .
C．Training character by means of games .
D．More than the teaching of knowledge .
5．From the passage , we learn that .
A．football is popular mostly among English children
B．schools in England make use of football for the training of body and mind
C．football is more important than lessons in England
D．other European schools consider football unimportant
I've cheated in school when I thought that I could get away with it. I'm not proud of it and I don't usually feel very good about myself afterward, but sometimes it's the only way possible to survive in a pressure cooker. My parents are really set on my getting good grades. They study my report card the same way they examine the newspaper's stock market page. And they make me feel that I've got to live up to their expectations.
But often each teacher acts as if his is the only subject we have. They think nothing of piling on our homework or giving surprise quizzes. Sometimes we have to take two or three tests in different subjects on the same day. I'd like to see a lot of adults I know preparing for that.
When the pressure becomes too high, some kids may resort to(诉诸于) cheating. If you have three or four subjects to study for, you're not going to be able to devote enough time to each subject in order to be well prepared for each class. Besides, it may be the only way left to live up to your parents' expectations and compete with the top students in the class.
Everybody knows that if you cheat, it's important not to get caught. Few things can cause more of chaos. Once, my elder brother got caught cheating on a math final. My parents acted as though he'd committed a federal crime. The assistant principal called them to school, but although the incident caused several conferences, I don't think that anybody ever really understood what my brother was going through. We're just supposed to perform outstandingly as well as always act honestly, but how many adults can actually live up to the standards they set for us?
My father has gotten countless traffic tickets for parking in no parking zones or for not coming to a full stop at stop signs. And you're always hearing about people who don't file their income tax honestly. How about all the corruption in government? Successful adults often accept dishonesty in order to achieve their business goals. Are kids the only ones who are supposed to be perfect?
Most of my friends have cheated on tests in school at one time or another. The kids who never cheat are usually either afraid of getting caught or just don't know how to do it safely. Nobody wants to cheat. But if it's a choice of being honest or of getting a grade, most kids will try for the A. That may sound wrong, but we didn't make the rules, we're just trying to get by.
1. What is the best title of this passage?
A. No one wants to cheat！ B. Everyone likes to cheat！
C. No one can survive a cheat！ D. Everyone can fight a cheat!
2. The author owes children’s cheat to the following EXCEPT ___________.
A. parents B. teachers C. children D. examinations
3. In the fifth paragraph, the author mainly wants to say __________.
A. his father always cheats in his life
B. kids are always supposed to be perfect
C. all the adults can not live up to the standards they set for children
D. children shouldn’t learn from successful adults
4. Which of the following is true according to this passage?
A. The author thinks it is children’s right to cheat in school.
B. Most of the author’s friends like cheating on tests in school.
C. The author shows a positive attitude towards a surprise quiz in school.
D. The author thinks it wrong to cheat in school.
Years ago, when I started looking for my first job, wise advisers advised, “Barbara, be enthusiastic! Enthusiasm will take you further than any amount of experience．” How right they were!
“Nothing great was ever achieved without enthusiasm．” wrote Ralph Waldo Emerson．It is the paste that helps you hang on there when the going gets tough．It is the inner voice that whispers, “I can do it!” When others shout, “No, you can’t!” It took years and years for the early work of Barbara McClintock, a geneticist who won the 1983 Nobel Prize in medicine, to be generally accepted．Yet she didn’t stop working on her experiments．Work was such a deep pleasure for her that she never thought of stopping．
We are all born with wide-eye, enthusiastic wonder and it is this childlike wonder that gives enthusiastic people such youthful air, whatever their age．At 90, cellist Pablo Casals would start his day by playing Bach．As the music flowed through his fingers, his stooped (弯曲的)shoulders would straighten and joy would reappear in his eyes．As author and poet Samuel Ulman once wrote, “Years wrinkle the skin, but to give up enthusiasm wrinkles the soul．”
Enthusiastic people also love what they do, regardless of money or title or power．Patricia Mcllrath, retired director of the Missouri Repertory Theater in Kansas City, was once asked where she got her enthusiasm．She replied, “My father, a lawyer, long ago told me, ‘I never made a dime until I stopped working for money．’”
If we cannot do what we love as a full-time career, we can as a hobby．Elizabeth Layton of Wellsville, Kan was 68 before she began to draw．This activity ended periods of depression that had troubled her for at least 30 years, and the quality of her work led one critic to say, “I am tempted to call Layton a genius．”
We can’t afford to waste tears on “might-have-beens”．We need to turn the tears into sweat as we go after “what-can-be”．We need to live each moment whole-heartedly, with all our senses – finding pleasure in the sweet smell of a back-yard garden, the simple picture of a six-year-old, the beauty of a rainbow．
1．The author holds the view that ______．
A．enthusiastic people will never get old
B．enthusiasm can make you succeed and enjoy life
C．enthusiasm is more important than experience
D．enthusiasm can give people more success and fame
2．Which of the following can best explain the underlined sentence in the second paragraph?
A．Enthusiasm can give you courage and strength in difficult times．
B．If you don’t have enthusiasm, you can achieve nothing．
C．Enthusiastic people never consider money and fame．
D．Enthusiastic people can gain great fame and honor．
3．The author mentions cellist Pablo Casals in the third paragraph to show that ______．
A．music can arouse people’s enthusiasm
B．enthusiasm can give people inspiration needed to succeed
C．enthusiasm can make people feel young
D．enthusiasm can keep people healthy
4．How many examples are given in the passage to show the importance of enthusiasm?
A．Two． B．Three． C．Four． D．Five．
Scientists find that hardworking people live longer than average men and women．Career （职业）women are healthier than housewives．Evidence shows that the jobless are in poorer health than the jobholders．An investigation shows that whenever the unemployment rate increases by 1％，the death rate increases by 2％．All this comes down to one point．work is helpful to health．
Why is work good for health? It is because work keeps people busy away from loneliness．Researches show that people feel unhappy, worried and lonely when they have nothing to do．Instead the happiest are those who are busy．Many high achievers who love their careers feel that they are happiest when they are working hard．Work serves as a bridge between man and reality. By work people come into contact with each other．By collective（集体的）activity they find friendship and warmth．This is helpful to health．The loss of work means the loss of everything．It affects man spiritually and makes him ill．
Besides，work gives one a sense of achievement．Work makes one feel his value in society．When a writer finishes his writing or a doctor successfully operates on a patient or a teacher sees his students grow, they are happy beyond words．
From the above we can come to the conclusion that the more you work the happier and healthier you will be．Let us work hard and study hard and live a happy and healthy life．
1．What may be the reason why housewives are not as healthy as career women?
A．Housewives are poorer than career women．
B．Housewives have more children than career women．
C．Housewives have less chance to communicate with others．
D．Housewives eat less food than career women．
2．Which of the following statements is TRUE according to Paragraph 2 ?
A．Busy people have nothing to do at home．
B．High achievers don’t care about their families．
C．There is no friendship and warmth at home．
D．A satisfying job helps to keep you healthy．
3．The best title for this passage may be “ ”
A．People Should Find a Job
B．Working Hard Is Good for Happiness and Health
C．People Should Make More Friends by Work
D．The Loss of Work Means the Loss of Life
第三部分 阅读理解 (共15小题；每小题2分，满分30分)
请认真阅读下列短文，从短文后各题所给的A、B、C、D四个选项中，选出最佳选项，并在答题卡上将该项涂黑。
Last week my youngest son and I visited my father at his new home in Tucson, Arizona. He moved there a few years ago, and I was eager to see his new place and meet his friends.
My earliest memories of my father are of a tall, handsome, successful man devoted to his work and family, but uncomfortable with his children. As a child I loved him; as a school girl and young adult I feared him and felt bitter about him. He seemed unhappy with me unless I got straight A’s and unhappy with my boyfriends if their fathers were not as “successful” as he was. Whenever I went out with him on weekends, I used to struggle to think up things to say, feeling on guard.
On the first day of my visit, we went out with one of my father’s friends for lunch at an outdoor café. We walked along that afternoon, did some shopping, ate on the street table, and laughed over my son’s funny facial expressions. Gone was my father’s critical(挑剔的) air and strict rules. Who was this person I knew as my father, who seemed so friendly and interesting to be around? What had held him back before?
The next day my dad pulled out his childhood pictures and told me quite a few stories about his own childhood. Although our times together became easier over the years, I never felt closer to him at that moment. After so many years, I’m at last seeing another side of my father. And in so doing, I’m delighted with my new friend. My dad, in his new home in Arizona, is back to me from where he was.
1. Why did the author feel bitter about her father when she was a young adult?
A. He was silent most of the time. B. He was too proud of himself.
C. He did not love his children. D. He expected too much of her.
2. When the author went out with her father on weekends, she would feel ______.
A. nervous B. sorry C. tired D. safe
3. What does the author think of her father after her visit to Tucson?
A. More critical. B. More talkative.
C. Gentle and friendly. D. Strict and hard-working.
4. The underlined words “my new friend” in the last paragraph refer to ______.
A. the author’s son B. the author’s father
B. the friend of the author’s father D. the café owner